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Sitting on a $1.28 million IRA? The Roth conversion math that turns future RMDs into $5,150 a month tax-free

Quick ReadConverting a $1.28 million traditional IRA to Roth eliminates mandatory RMDs at 73 and can generate $5,150 a month ...
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A retired couple with $60,000 of income can convert about $180,000 to a Roth this year and never leave the 22% bracket. The December math advisors charge 1% a year to run

Quick ReadA retired couple earning $60,000 annually can convert $183,600 to a Roth IRA in 2026, paying an average federal rate of just 18% on converted funds.December is the only safe window to ...